Residential Property

Guardian General’s  Homemaker’s Inclusive policy provides coverage for the following:

• Building(s)
• Contents
• Specified Personal Items
• Personal Computers
• Liability to domestic Employees and to the Public

Perils covered under insurance of the building/contents

• Fire, explosion, lightning, thunderbolt and subterranean fire
• Earthquake, volcanic eruption and tsunami
• Flood
• Windstorm, hurricane and tornado
• Riot and Strike, labour or political disturbances
• Malicious persons
• Collapse due to subsidence or landslip
• Escape of water from a fixed water, drainage or heating installation or from a washing machine, dish washer or waterbed
• Theft or attempted theft
• Collision by an aircraft or other aerial devices, (and anything dropped from them), vehicles or animals
• Falling radio or television aerials (including satellites dishes) their fittings and masts
• Falling trees or branches or utility poles. We will pay for the cost of removal provided that they have caused damage to the insured buildings.
• Smoke meaning the sudden unusual and accidental damage from smoke
• Specific exclusions apply to the policy cover